Blog

Author: Susanne Diepers

  • Today’s Mortgage Rates: Florida vs. Texas

    Today’s Mortgage Rates: Florida vs. Texas

    Having spent over two decades guiding both Texans and Floridians through their mortgage decisions, I’ve seen just how much rates can shift based on your specific circumstances. Whether you’re buying your very first home, looking into a VA loan, or have a unique income scenario, it’s never as simple as comparing state averages or headline numbers. Your credit score, loan type, down payment, and even the property’s location all come into play. The key? Focus on personalized mortgage quotes that reflect your reality—not just what you read in the news. Turning 'someday' into move-in day starts with understanding what’s truly possible for you.

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  • Greenways versus Colonies

    Greenways versus Colonies

    When comparing Greenways at Hillside with The Colonies, the interest rate is only one part of the decision. Start by requesting the total monthly principal, interest, taxes, and insurance payment for each property, along with any recurring community-related costs.

    Ask specifically whether the Greenways property carries an annual Greenways PID assessment through the tax bill. Confirm how that assessment affects your qualifying ratios and escrow payment, and compare it with the tax structure for a home in The Colonies. HOA dues, special assessments, and shared-area obligations should also be reviewed carefully.

    Other financing considerations may include Canyon ISD tax details, homeowners insurance requirements, property condition, and whether the appraisal will provide adequate support for the requested loan amount. These factors can change both the upfront cash needed and the ongoing payment.

    As a mortgage broker working in southwest Amarillo each week, I recommend requesting side-by-side loan estimates and verifying every tax, PID, HOA, and insurance figure before choosing. A clear comparison helps you understand the true cost of ownership and select the home that best fits your budget.

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  • Saturday – October 17th , 5-7PM

    Saturday – October 17th , 5-7PM

    Fall Fun, Future Homes: Chili, Costumes & Community
    There’s something special about gathering with neighbors over a bowl of homemade chili—especially at The Church at Quail Creek’s annual cookoff. I love events like this because they remind me how strong our local community is, and how these connections can turn a new town into a true home. After 26 years helping Texans and Floridians secure the right mortgage, I’ve seen firsthand how a welcoming neighborhood makes all the difference for first-time buyers and families ready for a fresh start. Whether you’re sampling chili or just soaking in the fall spirit, it’s these moments that transform "someday" dreams into move-in day reality.

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  • Current HELOC Rates

    Current HELOC Rates

    With over two decades guiding Texans and Floridians through the home loan process, I know how important it is to understand your options—especially when considering a HELOC (Home Equity Line of Credit). HELOCs come with variable rates linked to the prime rate, and can allow you to borrow up to 80-90% of your combined loan-to-value. They typically offer draw periods of 10-15 years and can take up to 20 years to repay. The rates you’re offered will depend on a mix of economic factors, your credit profile, and how much equity you have built up in your home. Not sure if a HELOC is the right fit? Alternatives like home equity loans, credit cards, or personal loans each bring their own pros and cons. I’m always focused on bringing straightforward answers and real solutions—so you can make the best choice for your unique situation.

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  • Home Costs Continue After Buying | 🏡 Think you need 20% down to buy a home? Think again! You may qualify with less money down than you think.

    When you close on your new home, the financial journey is just beginning—a reality I make sure every client is prepared for. The first year as a homeowner often comes with extra costs beyond your down payment and closing fees. From repairs and alterations to filling those new spaces with appliances and furnishings, it’s important to budget early so there are no surprises down the road. On average, buyers of newly built homes spend $26,900 in the first year after purchase, compared to $18,700 for those buying existing homes. Appliances and equipment account for about $4,300 in new homes and $3,700 in existing ones. Furnishings can be a bigger leap: $8,300 for new construction, $3,900 for existing homes—especially if you’re moving into a larger space. The biggest first-year expense? Alterations and repairs, which average $14,300 for new homes and $11,100 for existing homes. After 26 years helping Texans and Floridians find the right loan, I know a smooth move starts with planning for what comes after the keys are in your hand. Turning 'someday' into move-in day means preparing for every step—including the ones that follow closing.

  • Bangkok-Tokyo | Thai • Japanese • Sushi

    Bangkok-Tokyo | Thai • Japanese • Sushi

    Looking for a flavorful local dining experience in Amarillo? Bangkok-Tokyo | Thai • Japanese • Sushi brings two beloved culinary traditions together at 2413 S Western St. Whether you are craving comforting Thai favorites, fresh sushi, or Japanese-inspired dishes, this neighborhood restaurant offers plenty of delicious options to explore.

    What makes Bangkok-Tokyo a local spotlight is its variety. It is an easy choice when one person wants bold Thai flavors and another prefers sushi or Japanese dishes. That flexibility makes it a natural gathering place for casual lunches, relaxed dinners, celebrations, and meals shared with friends and family.

    For Amarillo residents, discovering neighborhood restaurants is a great way to support local businesses while enjoying something different from the usual routine. Bangkok-Tokyo offers a convenient destination for exploring exciting flavors without leaving town, with a menu designed to satisfy a range of tastes.

    Next time you are planning a meal, visit Bangkok-Tokyo at 2413 S Western St, Amarillo, TX 79109. Save this local spotlight, share it with someone who loves Thai food or sushi, and make Bangkok-Tokyo your next delicious stop.

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  • ❌ Denied Before? ✅ Your Homeownership Journey Isn’t Over

    ❌ Denied Before? ✅ Your Homeownership Journey Isn’t Over

    Being denied for a mortgage can feel discouraging, but it does not always mean homeownership is out of reach. New government loan opportunities in Texas and Florida may allow eligible homebuyers to qualify without a minimum credit score requirement when automated underwriting system (AUS) approval is obtained.

    Approval is based on more than a credit score. Your income, employment history, assets, debts, and overall financial profile may all play an important role in determining eligibility. Because every loan program and lender has different guidelines, a previous denial may be worth reviewing again under another qualifying option.

    The best next step is to speak with a mortgage professional who can evaluate your complete situation and explain which programs may be available. Guidelines, eligibility, and approval are not guaranteed, so a personalized review is essential.

    If you are ready to revisit your options, call 806-410-6354 today. Your path to homeownership may be closer than you think.

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  • US Home Values Enter Stabilization | 🏡 Think you need 20% down to buy a home? Think again! You may qualify with less money down than you think.

    As someone who's spent more than two decades helping families across Texas and Florida navigate home financing, I've seen a lot of markets—but today's environment stands out for its resilience. Recent data shows that home values across the U.S. have reached a stabilization phase, not a decline. That's thanks in part to limited distressed selling, which is helping prices hold steady, with some metro areas even showing small gains or staying flat.

    We're still working with elevated borrowing costs, and it looks like 30-year mortgage rates will likely remain in the high-6% range through 2026. Pending listings are down 2.6% year-over-year, and new listings dropped by 7.9% month-over-month to 356,900, even as active listings have climbed to 1.41 million. The typical monthly payment has edged up to $1,900—about 2% higher than last year—which is a real consideration for anyone budgeting for their next move.

    Economists are suggesting a 'soft landing' by 2026, as weak sales and tougher financial thresholds steer the market toward steadier ground. For buyers—especially those who can be flexible on timing—select opportunities are out there, and these can vary quite a bit by state. If you’re determined to buy, securing pre-approval early remains a smart move, and for current homeowners, keeping an eye on refinancing options is always worthwhile.

    No matter your situation—first-time buyer, move-up shopper, or owner watching for the right moment—there are still clear paths forward in today's shifting market. My experience has taught me that persistence and the right advice can turn 'someday' into move-in day.

  • Discover this property for $949,900—a great opportunity that truly stands out. This exceptional 1.59-acre property features a 3BR/2BA main home and a brand-new (2023) 1BR/1BA guest house.

  • USA Mortgage Quotes Need More Than One Offer | 🏡 Think you need 20% down to buy a home? Think again! You may qualify with less money down than you think.

    With median home prices in the US hitting a record $440.6K, the details in your mortgage quote can outweigh even the listing price when it comes to your monthly bottom line. For example, on a $450K loan, the difference between a low-6% and a low-7% rate isn’t just a number—it’s about $298 a month, or $107,000 over the life of a 30-year mortgage. After 26 years helping Texans and Floridians navigate these decisions, I’ve seen time and again: gathering several competing quotes gives you real leverage. In fact, borrowers who collect five offers tend to save the most, while those who accept the first quote often leave money on the table. Remember, a mortgage quote is just a starting point; the real, binding details come in your Loan Estimate, a standardized document you’ll receive only after your completed application is reviewed by a federal regulator. My advice? Compare at least three offers, look closely at the APR, origination costs, and total monthly housing expenses—especially before waiving any contingencies. It’s about finding the solution that truly fits you, not just the first one offered.